MARC record from Internet Archive

LEADER: 04353cam 22004814a 4500
001 ocn299278030
003 OCoLC
005 20190108212741.0
008 090122s2009 nyu 001 0 eng
010 $a 2008055540
040 $aDLC$beng$cDLC$dYDXCP$dCDX$dOSU$dIG#$dBWX$dABG$dBDX$dOCLCF$dOCLCQ$dOCLCO
020 $a9780814413692
020 $a0814413692
035 $a(OCoLC)299278030
042 $apcc
043 $an-us---
050 00 $aHG2040.5.U5$bG542 2009
082 00 $a332.7/20973$222
100 1 $aGiannamore, Richard,$d1941-
245 10 $aNavigating the mortgage minefield :$byour complete guide to avoiding costly problems and finding the right loan in today's market /$cRichard Giannamore with Barbara Bordow Osach.
260 $aNew York :$bAmerican Management Association,$c℗♭2009.
300 $axiii, 226 pages ;$c23 cm
336 $atext$btxt$2rdacontent
337 $aunmediated$bn$2rdamedia
338 $avolume$bnc$2rdacarrier
500 $aIncludes index.
505 0 $a050 Educated borrowers are our best protection against bad business practices -- Take charge of your mortgage process. Balancing risk and reward in a mortgage ; The elements of a mortgage ; The mortgage process ; Eight things to keep in mind when searching for a mortgage -- Be realistic about being able to afford a home. Set a realistic budget and stick to it ; How a lender sees your finances ; Take advantage of prequalification and preapproval services ; Know the true cost of home ownership -- Know how much your property is worth. Distinguishing between the price of a home and its market value ; The value of a home inspection ; Facts that can affect future property value -- Weight your refinancing opportunities. Why refinance your home? ; Weighing short-term savings by refinancing against long- and short-term costs -- Know your credit score. Understanding your credit report and credit score ; Correcting your credit report ; How to improve your credit score -- Recognize which loan product is right for you. Fixed-rate or adjustable rate : which is better for you? ; Payment choices ; Special mortgages for those who qualify ; Special features of mortgages and what they cost -- Know your boundaries. Defining what you need ; Calculating the annual percentage rate -- Shop for a provider you can trust. Who sells mortgages? ; Who should you trust? ; Services that add value to your mortgage experience -- Take charge of the loan application process. The Uniform Residential Loan application ; The next steps in the loan application process -- Understand your insurance obligations. Private mortgage insurance ; Another form of mortgage insurance : FHA loans ; Hazard insurance ; Title insurance ; Credit life insurance -- Read the fine print before closing. What happens at the closing ; Reading and understanding a HUD-1 settlement statement ; The elements of the mortgage note ; The purpose and importance of the mortgage deed ; Other documents in the closing package -- Stay abreast of changes regarding your mortgage. Commonly occurring changes after closing that can affect you ; Changes to your escrow accounts -- Watch market trends. What the Dow Jones Average has to do with your home ; How inflation can affect your mortgage rate ; Other financial indicators for you to watch ; The Housing and Economic Recovery Act of 2008 and what it means to you ; The Emergency Economic Stabilization Act of 2008 and how it affects you --What can go wrong, and how to fix it. Relief during temporary disruptions ; What to do if you are facing financial hardship ; If all else fails -- Appendix A. Loan comparison worksheet.
650 0 $aMortgage loans$zUnited States.
650 0 $aHouse buying$zUnited States.
650 7 $aHouse buying.$2fast$0(OCoLC)fst00961897
650 7 $aMortgage loans.$2fast$0(OCoLC)fst01026596
651 7 $aUnited States.$2fast$0(OCoLC)fst01204155
700 1 $aOsach, Barbara Bordow,$d1951-
938 $aBrodart$bBROD$n09631739$c$17.95
938 $aCoutts Information Services$bCOUT$n9095700$c17.95 USD
938 $aIngram$bINGR$n9780814413692
938 $aYBP Library Services$bYANK$n2948824
029 1 $aAU@$b000043773533
029 1 $aBWX$bR9783532
029 1 $aCDX$b9095700
029 1 $aIG#$b9780814413692
994 $aZ0$bP4A
948 $hNO HOLDINGS IN P4A - 112 OTHER HOLDINGS